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The following article was published in our article directory on December 8, 2011.
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Four Questions You Should Ask About Credit Cards with Annual Fees

Article Category: Finances

Author Name: chickie maxwell

There's no doubt about it, credit cards are a necessity. That's probably the reason why card companies are growing these days too. If you are planning to sign up for one, there are some important matters you have to take into equation. One of the first would be whether to sign up for a plastic which necessitates annual fee or not.

Card companies basically set annual fees (and increase them every now and then) to boost their revenues. This can be burdensome on the side of the consumers, however, they can benefit in some ways too. The logical thing to do is before going for a card issuer that requires an annual fee, you should first make sure that the fee is worth it. For instance, does it come with travel insurance or protection? Does it earn you discount from various services? On the following, let's talk about some of the questions that can help you decide whether the annual charge makes good sense:

Are the benefits awesome? -- If the card provider offers lower interest rates, better options for payment, and a lot of excellent rewards and the likes, then paying a certain fee every year can be sensible. With the perks you can enjoy, the charge may even be comparatively small.

Will you really get the chance to use or enjoy the benefits? - Now, even if you have multiples credit cards, which are earning rewards, but you don't really use them, then the annual charge can be downright illogical. It's not a new thing that cardholders end up not consuming or maximizing the rewards that they get. They are either too busy to remember or are simply unaware. Either way, it can be such a waste.

Can you use the rewards easily? - It's pretty simple to answer this. Ask: "How many hurdles do I have to pass before I can claim a reward?" The more hurdles there are, the less valuable your reward is. Hence, pay careful attention to the requisites. When they sound impossible, forget about the annual fee.

Are there any hidden fees? - Be very cautious when something sounds just too good to be real. Many seemingly attractive rewards cards may turn out to be a disappointment. For instance, some plastic issuers may require you to pay extra charges when you wish to claim what you have earned. If this is the case, you would likely be paying more than we you ought to be for a certain transaction. For instance, if you have an airline miles cards and the airline charges a certain fee for you to redeem your rewards, then you may wind up spending more money than buying a ticket right there and then. In this case, a no-fee card absolutely makes more sense.

These are the four questions you need to answer about credit cards with annual fees. When you're satisfied with the answers, then you may have found the card for you.

Keywords: credit cards

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